Overwhelmed by Stashfin (Akara Capital) credit line dues? We help you negotiate a legal One Time Settlement (OTS) and protect you from harassment.
Stashfin is a popular digital lending platform in India, known for offering credit lines and personal loans. The lending partner (NBFC) behind Stashfin is primarily Akara Capital Advisors Pvt Ltd.
Stashfin provides a credit line card that works like a credit card. While convenient, the interest rates can be extremely high, often exceeding 30-40% annually. Defaulting on these payments can lead to a debt spiral, aggressive collection calls, and legal notices.
If you are unable to pay your Stashfin dues, AMA Legal Solutions can help. We intervene to stop the harassment and negotiate a formal One Time Settlement (OTS) with Akara Capital, allowing you to close the loan for a reduced amount.
Unlike a standard personal loan with fixed EMIs, a credit line can be deceptive.
Users often face processing fees on every withdrawal, high late payment penalties, and interest on the utilized amount that compounds daily.
Paying only the minimum due keeps the account active but barely reduces the principal, keeping you in debt for years.
Stashfin recovery agents are known to be persistent. However, they must follow RBI guidelines.
We send a legal notice to Akara Capital demanding an immediate stop to these tactics and directing all communication to us.
If you have given post-dated cheques or set up an e-mandate (NACH) that bounces, Stashfin can file a criminal case under Section 138 of the NI Act or Section 25 of the PASSA. This is a serious matter requiring legal representation.
The loan agreement usually contains an arbitration clause. They may appoint an arbitrator to pass an award for the recovery of dues. We can represent you in these proceedings to contest the claim and seek a settlement.
OTS is the legal way to exit your Stashfin loan. It involves paying a negotiated lump sum amount to close the account permanently.
We analyze your financial situation and present a hardship proposal to Akara Capital. We negotiate aggressively to get you the maximum possible discount, often saving 40-60% of the total outstanding.
We shield you from aggressive recovery agents and legal threats.
Our negotiation strategies maximize your savings on the settlement amount.
We have successfully settled hundreds of cases with digital lenders like Stashfin.
We ensure you get a valid No Dues Certificate (NDC) to close the chapter.
We review your loan details, outstanding amount, and financial hardship proofs.
We send a legal notice to Stashfin/Akara Capital informing them of your representation.
We negotiate with the bank's settlement team for a reduced payoff amount.
We verify the settlement letter to ensuring all terms are favorable and clear.
You make the payment to the official account, and we ensure the loan is closed.
The RBI has tightened rules for apps like Stashfin:
We use these guidelines to defend your rights and push for a better settlement.
Settlement results in a "Settled" status on your credit report. This indicates you paid less than the full amount.
While this lowers your score, it is far better than a "Written Off" status which stays for years. Settlement stops the monthly negative reporting.
You can rebuild your score by using a secured credit card and maintaining good financial discipline for 12-24 months.
"I was stuck in a debt trap with Stashfin credit line. The interest was piling up. AMA Legal helped me close the loan with a 50% waiver. Very professional team."
Business Owner, Delhi
"Agents were harassing my parents. I contacted AMA Legal, and they stopped the calls within 48 hours. The settlement process was smooth and transparent."
Software Engineer, Mumbai
Get clarity on settling your Stashfin credit line and personal loans.
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Our loan settlement services are available across all states and union territories in India